Top 10 Credit Repair Companies of 2016

Are you fighting against a poor credit record? Have you tried to buy a new car or take out a home loan, only to find yourself against a brick wall of refusal?

If you have bad credit you’re in line for the worst of interest payments, and serious limitations on the credit available to you. It’s frustrating, embarrassing, and it stops you from getting what you want in life.

Thankfully there is a solution. Credit repair companies can assist you in managing your credit profile more effectively. They can remove errors on your records, clean up outdated entries, and check to see if a single debt is appearing multiple times.

You can attempt to fix your own credit, but having the power of a reputable company behind you will make the process faster and more effective.

1. Better Credit Reports Consulting

   

   Better Credit Reports Consulting, commonly known as BCR Consulting, is a Texas-based company offering credit repair and consulting services. Its website lists an Austin mailing address, while current Better Business Bureau profiles list other business locations. The company has an A+ BBB rating but is... read more

   I've been working with Matt for about 6 months. He is always very responsive to my questions and usually gets back with me the same day. I have watched my score go up by 114 points since I've been working with him. And the best thing is that, after a small initial initiation fee, you only pay a small fee for each negative item deleted from your report. He is helping towards being able to qualify to refinance my home. I can breathe much easier now.

   No deletion, no fee. This company's unique approach means that you pay nothing until seven days after an item has been removed from your credit file. Better Credit Reports Consulting create tailored letters for each individual client, and you'll have a credit restoration expert to help you throughout the process.

2. Creditmergency

   

   Creditmergency helps clients identify and dispute inaccurate, unfair, or unverified negative information on their credit reports. The company says many of its clients have been pleased with the quality of its credit repair services. Its team works to understand each client's needs and provide assistance... read more

   A leading credit repair company, Creditmergency works with you to improve your FICO score and to make it easier for you to get the credit you need. Offering a free consultation and a free credit repair e-book for subscribers, they will provide you with the tools you need to see rapid results.

   Great company who helped me get my first house with a very good interest rate

3. Lexington Law

   

   Lexington Law is a consumer advocacy law firm known primarily for providing credit repair services. The firm is headquartered in North Salt Lake, Utah, and has employed attorneys licensed to practice in states across the country.... read more

   Trusted leaders in consumer law and credit repair since the early 1990s, Lexington Law help clients take control of their credit. You have the right to challenge any questionable information on your credit file, and Lexington Law has the skills to analyse your file and act accordingly.

4. Sky Blue Credit Repair

   

   Sky Blue Credit is a Boca Raton, Florida-based company that has offered credit repair and restoration services since 1989. The company serves customers across the United States.

   Sky Blue Credit assists customers with obtaining credit reports from the three major bureaus and identifying potential... read more

   Promising the fastest service in the business, Sky Blue Credit Repair Services understand that you need changes to happen quickly. Take the stress and confusion out of repairing your credit, and let Sky Blue manage your file for you.

5. Ovation Credit

   

   Ovation Credit Services was an attorney-founded credit repair company established in 2004 and headquartered in Jacksonville, Florida. LendingTree acquired the company in 2018 and closed the Ovation business at the end of the second quarter of 2023.... read more

   Persistence pays off when it comes to dealing with credit problems, but it can be a soul-destroying task if you try to do it all yourself. The advisors at Ovation Credit have years of consumer credit law knowledge behind them. Take advantage of their experience in credit bureau tactics and let them fix your file for you.

6. My Credit Group

   

   MyCreditGroup is a Stephenville, Texas-based credit restoration company that has offered credit repair and credit-building services since 2000. The company states that its team includes credit experts, loan officers, debt negotiators, and people who have worked as collection agents.... read more

   A simple, three-step credit repair process. First, your credit repair coach assesses your file to see exactly what's holding you back and executes a customised repair plan. Next, they negotiate with creditors to try to remove remaining issues. Finally, My Credit Group will help you move forward by establishing new lines of credit.

7. CreditFirm.net

   

   CreditFirm.net is a Deerfield, Illinois-based credit services organization that has provided credit report repair services since 1997. The company claims to have assisted more than 80,000 customers with improving their credit reports and increasing their credit scores.... read more

   Customer service is top priority for CreditFirm.net. They focus on growing a personal relationship with their clients. They'll work hard to understand your goals and to help you fix your credit report so that you can achieve them. Their free credit repair action plan will show you what to do.

8. National Credit Fixers

   

   Located in Vernon, Connecticut, National Credit Fixers focuses on credit restoration and repair. Established in 1997, the company operates with the objective of helping clients correct credit errors and improve their financial standing.... read more

   There's more to credit fixing than generating a stream of automated letters. National Credit Fixers will get to the root of the problem, helping you rebuild your credit score and advising you on how best to manage your credit going forwards.

9. Credit Scholars

   Credit Scholars provides a unique and special service, as it helps customers achieve their goals through credit repair. The company provides personalized attention to each customer, ensuring the success of these customers.

10. Veracity Credit

    

    Specializing in credit repair services, Veracity Credit was established to help individuals address problems with their credit reports. The company offers a range of packages aimed at identifying and disputing inaccurate information that may affect customers' credit. It is headquartered in Denver, Colorado.... read more

    With more than a decade of credit repair experience, Veracity aims to stand out from the rest of the credit repair world with a focus on honesty and professionalism. Start with their free credit report consultation and see how they can help you.

The Contenders

11. CreditRepair.com

    

    CreditRepair.com is a company that offers consumer credit repair services to customers in the United States. The company assists customers with challenging unfair, inaccurate, or unverified negative items on their credit reports and provides resources for managing credit.... read more

    Clients of CreditRepair.com have enjoyed an average 40-point rise in their credit score within four months of membership. The company offer an ongoing monitoring service with personalised information about how changes to your file will affect your ability to get credit.

12. National Credit Alliance